SRIHARINI GANESH
Chennai
Summary
Results-oriented professional with 4+ years of experience as a Credit Analyst at Federal Bank Ltd. Delivered exceptional service and consistently achieved sales targets in a competitive financial environment. Skilled in interpreting financial data, assessing risks and opportunities, and providing strategic recommendations to 250 branches in Tamil Nadu to help them achieve retail targets. Proficient in converting sourcing IDs using a range of banking products, maximizing branch potential for success.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Analyst
FEDERAL BANK
10.2022 - 09.2024
- Gathered loan documentation for underwriting.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Participated in loan committee meetings to provide input on lending processes.
- Developed customized financial models to assess borrower''s capacity, ensuring accurate credit evaluation.
- Enhanced decision-making speed and quality by implementing state-of-the-art financial analysis software and tools.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Investigated and resolved customer disputes related to credit decisions.
- Improved understanding of financial statements, which helped in assessing risk.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
Assistant Manager
FEDERAL BANK
05.2022 - 10.2022
- Maintained strict adherence to internal audit protocols ensuring full compliance in all aspects of branch operations including security measures related to vault access controls and dual control procedures.
- Strengthened client relationships, offering tailored financial advice to meet individual needs.
- Assisted customers with account opening procedures as well as ongoing maintenance requests such as address changes or periodic account reconciliations.
- Improved customer satisfaction by providing personalized banking solutions and efficient service.
- Developed new business opportunities through participation in community events, networking, and referrals from satisfied customers.
- Achieved performance goals regularly by monitoring progress towards sales targets and implementing strategies to maximize branch revenue generation.
- Increased company revenu 40% by selling various investment products.
- Counted currency, coins and checks in cash drawer, night depository and ATM.
- Conducted financial due diligence on potential investments and acquisitions.
Probationary Officer
FEDERAL BANK
11.2020 - 05.2022
- Implemented sales strategies for the promotion of various banking products and services.
- Successfully resolved escalated customer complaints resulting in improved reputation management and retention rates.
- Built strong rapport with clients for long-lasting relationships by understanding their financial goals and recommending suitable solutions.
- Maintained strict adherence to internal audit protocols ensuring full compliance in all aspects of branch operations including security measures related to vault access controls and dual control procedures.
- Delivered exceptional service through effective communication skills, empathy towards clients'' needs, problem-solving abilities, and attention to detail in daily tasks.
- Increased loan portfolio with diligent assessment of borrower applications and risk analysis.
- Cross-sold wide range of services and products to increase new business and expand existing customer relationships.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Developed new business opportunities through participation in community events, networking, and referrals from satisfied customers.
- Mentored junior bankers, fostering professional growth and development through coaching sessions.
Education
MBA - Finance & HR
PSG Institute of Management
Coimbatore, IndiaB.Tech - Biotechnology
SASTRA UNIVERSITY
Thanjavur, IndiaSkills
- Goal-Oriented
- Credit policy development
- Verbal and written communication
- Loan Evaluation
- Microsoft Excel proficiency
- Credit decisions
- Risk Assessment
- Loan Documentation
- Credit analysis
- Financial statement analysis
- Customer Service
- Problem-Solving
- Financial Analysis
- Loan Underwriting
Certification
- Certified Credit Analyst-CRISIL Credit Underwriter
- Licensed Insurance Advisor issued by IRDA
Languages
English
Bilingual or Proficient (C2)
German
Elementary (A2)
French
Elementary (A2)
Tamil
Bilingual or Proficient (C2)
Hindi
Advanced (C1)
Timeline
Credit Analyst
FEDERAL BANK
10.2022 - 09.2024
Assistant Manager
FEDERAL BANK
05.2022 - 10.2022
Probationary Officer
FEDERAL BANK
11.2020 - 05.2022
MBA - Finance & HR
PSG Institute of Management
B.Tech - Biotechnology
SASTRA UNIVERSITY
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